Job Opportunities at FNB South Africa

Job Description
Hello Sales Consultant

• Welcome to FNB, the home of the #changeables. We design for the shapeshifters and 
• deliver products and services that make us incredibly proud of the people that make it 
• happen. 
• As part of our team in FNB Commercial Products, you will be surrounded by unique 
• talents, diverse minds, and an adaptable environment that lives up to the promise of 
• staying curious. Now’s the time to imagine your potential in a team where experts come 
• together and ignite effective change.

The Commercial Sales Advisor Team will primarily be responsible for converting leads and quotes to sales in terms of the minimum quantity and quality targets that are in place including, but not limited to:

• Tracking, controlling, and influencing sales activities with the specific aim to achieve previously determined sales targets in line with quality, productivity, and other sales requirements.
• Contacting prospective clients and sell appropriate insurance products to achieve sales targets.
• Maximizing leads by cross selling opportunities and strengthen client relationships.
• Retrieving all qualified leads from internal channel sales pipeline and make contact with existing or new customer to generate a sale.
• Delivering exceptional service that exceeds clients’ expectations through proactive, innovative and appropriate solutions.

Are you someone who can:

• Think outside the box and have a strong work ethic
• Have the ability to thrive under pressure and exceed targets in a sales environment.
• Build sound relationships based on trust and openness (Internal and External)
• Produce consistently high-quality outputs within agreed deadlines.

You will be an ideal candidate if you:

• Have an RE5 COB- Commercial Lines
• Have FAIS Credits Commercial Insurance experience.
• Have 2-3 years commercial experience in a selling environment
• Have an excellent sales track record.

You will have access to:

• Opportunities to network, collaborate and learn.
• A challenging working environment with growth potential.
• Opportunities to innovate, explore and make a difference.

Competencies:

• Attitude/passion towards service excellence
• Inbound and Outbound Call Centre experience
• Problem-solving skills
• Resilience - Ability to work well under pressure in dynamic environment.
• Flexible and adaptable
• Influential, concise, rational, and practical communicator
• Creative flair and innovative thinker
• Discretion, judgment, and high levels of trust
   

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Job Description

• To provide a positive customer experience by being helpful and sensitive to customer needs and aspirations. Offering value adding solutions within a dynamic environment, whilst adhering to policy and process.

Are you someone who can:

• Think outside the box, driven to write your own paycheck (basic plus commission)
• Have the ability to thrive under pressure and exceed targets in a sales environment.
• Build sound relationships based on trust and openness (Internal and External)
• Produce consistently high-quality outputs within agreed deadlines

You will be an ideal candidate if you:

• Are a go getter with a positive and unbeatable mindset.
• Have a minimum of 1 year sales experience with a proven track record.
• Have a valid matric 
• Have an RE5 
• Have full FAIS qualification
• Have CPD credits

You will have access to: 

• Opportunities to network, collaborate and learn
• A challenging working environment with growth potential
• Opportunities to innovate, explore and make a difference

We can be a match if you are: 

• Adaptable and curious
• Hard working and dedicated
• Thrive in a collaborative, highly pressurized environment
• Team player and willingness to go the extra mile

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Job Description

• To apply appropriate sales processes within area of responsibility to achieve sales targets and build client relationships.

Are you someone who can:

• Apply appropriate sales processes within area of responsibility to achieve sales targets and build client relationships.

You will be an ideal candidate if you have:

• Completed a FSCA recognized FAIS relevant NQF Level 5 Qualification or high qualification.
• Completed First Level Regulatory Examination

You will have access to: 

• Opportunities to network and collaborate.
• A challenging working environment
• Opportunities to innovate.

You will be a match if you are:

• Achievement of targets for business.
• Understand, read, and anticipate the market and clients’ needs to design and deliver innovative, customized value adding solutions to portfolio of clients.
• Deliver exceptional service that exceeds clients’ expectations through proactive, innovative, and appropriate solutions.
• Maximise Business Portfolio cross sell opportunities and strengthen client relationships. · Maintenance of expert knowledge on specific products, pricing, application procedure, processing, and timelines in order to drive and achieve relevant sales targets.
• Understand reasons for and comply with governance in terms of legislation and audit requirements.
• Retrieve all qualified leads from internal channel sales pipeline and make contact with existing or new customer to generate a sale. Source new leads through external contacts and other channels to increase customer base if required.
• Contact prospective clients and sell appropriate banking products in order to achieve sales targets.
• Deliver the end-to-end client management process through continuous engagement with the client on process milestones, selling the FNB value proposition, facilitating the application process on behalf of the client, prepare the proposal to credit, manage internal dependencies, close the deal and manage post sales queries when relevant.
• Analyse competitor information gathered and ensured active monitoring of market trends and influences. Identify new business opportunities that impact on the industry.
• Track, control, and influence sales activities with the specific aim to achieve previously determined sales targets in line with quality, productivity and sales requirements.
• Manage own development to increase own competencies.

Additional Requirements: 

• In accordance with National Credit Act (NCA) candidates applying for this role will require a credit record check.

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Job Description

• To execute fraud risk management processes to guide and assist business identifying and analysing risk incidences threatening the assets, earning capacity and success.
• Active participation in specialist practice forums to share information and insights across the business.
• Cultivate and manage objective working relationships with various law enforcement agencies, experts and counterparts in the banking industry.
• Work with business stakeholders to ensure efficient and effective fraud risk solutions.
• Analyse existing fraud data using statistics to evaluate fraud occurrences and make recommendations to reduce future incidences through improved prevention and detection measures.
• Extract, share insights, lessons learnt and recommendations from root cause analysis applied in fraud cases to inform further fraud prevention improvements across a wide range of processes and systems, regulation and policies.
• Monitor fraud processes to identify possible loopholes and existing practices that support fraud management effectively.
• Delivery of preliminary risk investigations and processing of all identified risks by participate in research and development of risk assessments.
• Present ideas via reports and presentations, outlining findings and making recommendations for improvements.
• Propose and implement new and improved models and methodologies by maintaining and developing risk policies and procedures including development of contingency plans to deal with emergencies.
• Conduct fraud analysis activities in line with applicable laws, policies and procedures stipulated in the business.
• Manage personal development to increase own skills and competencies.
• Maintain expert knowledge on relevant legislative amendments, industry best practice and provision of proactive advice and solutions to relevant stakeholders.
• Compile and communicate accurate and timely fraud analytics function reports to and keep key stakeholders informed of required fraud information including updating relevant information systems accessed by the fraud community.
• Be involved with implementing and managing risk mitigation programs as directed from time to time by management.
• Ensure policies and procedures meet the business and risk requirements.
• Deliver exceptional service that exceeds customers' expectations through proactive, innovative and appropriate solutions.

Qualifications and Experience

• Minimum: NQF 7/Degree
• Preferred: Degree in relevant field
• Minimum 3 years experience
• MS Excel
• Preferred experience in financial services industry

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Job Description

• To provide a positive customer experience by being helpful and sensitive customer needs, expectations and providing product solutions including directing customers to the correct channel (eChannels and Self Service) whilst adhering to policy and process.
• Connect with our customers by living up to our brand promise of “how can we help you?” at all times. Converse with our customers in a way that they fully understand and provide helpful solutions and products based on their needs
• Conduct themselves in an ethical manner at all times
• Adhere to the TCF (Treating Customer fairly) principles in all that you do
• Identify and sell/cross sell products aligned to customer needs
• Maximize channel optimisation opportunities identified aligned to customer needs  
• Ensure activities support cost containment and reduction
• Optimize every customer interaction to migrate or convert customer to eChannels and or encourage use of digital and self-service channels
• Always comply with procedures and processes contained in the relevant business guidelines and understand the risk associated with decisions Optimize every customer interaction to migrate or convert customer to eChannels and or encourage use of digital and self-service channels
• Always comply with procedures and processes contained in the relevant business guidelines and understand the risk associated with decisions
• Fulfilling transactions above the benchmark set and providing an exceptional customer experience
   

go to method of application »

Job Description

• To provide a positive customer experience by being helpful and sensitive customer needs, expectations and providing product solutions including directing customers to the correct channel (eChannels and Self Service) whilst adhering to policy and process.
• Connect with our customers by living up to our brand promise of “how can we help you?” at all times. Converse with our customers in a way that they fully understand and provide helpful solutions and products based on their needs
• Conduct themselves in an ethical manner at all times
• Adhere to the TCF (Treating Customer fairly) principles in all that you do
• Identify and sell/cross sell products aligned to customer needs
• Maximize channel optimisation opportunities identified aligned to customer needs  
• Ensure activities support cost containment and reduction
• Optimize every customer interaction to migrate or convert customer to eChannels and or encourage use of digital and self-service channels
• Always comply with procedures and processes contained in the relevant business guidelines and understand the risk associated with decisions Optimize every customer interaction to migrate or convert customer to eChannels and or encourage use of digital and self-service channels
• Always comply with procedures and processes contained in the relevant business guidelines and understand the risk associated with decisions
• Fulfilling transactions above the benchmark set and providing an exceptional customer experience

go to method of application »

Job Description

• To provide a positive customer experience by being helpful and sensitive customer needs, expectations and providing product solutions including directing customers to the correct channel (eChannels and Self Service) whilst adhering to policy and process.
• Connect with our customers by living up to our brand promise of “how can we help you?” at all times. Converse with our customers in a way that they fully understand and provide helpful solutions and products based on their needs
• Conduct themselves in an ethical manner at all times
• Adhere to the TCF (Treating Customer fairly) principles in all that you do
• Identify and sell/cross sell products aligned to customer needs
• Maximize channel optimisation opportunities identified aligned to customer needs  
• Ensure activities support cost containment and reduction
• Optimize every customer interaction to migrate or convert customer to eChannels and or encourage use of digital and self-service channels
• Always comply with procedures and processes contained in the relevant business guidelines and understand the risk associated with decisions Optimize every customer interaction to migrate or convert customer to eChannels and or encourage use of digital and self-service channels
• Always comply with procedures and processes contained in the relevant business guidelines and understand the risk associated with decisions
• Fulfilling transactions above the benchmark set and providing an exceptional customer experience

go to method of application »

Job Description

• To provide a positive customer experience by being helpful and sensitive customer needs, expectations and providing product solutions including directing customers to the correct channel (eChannels and Self Service) whilst adhering to policy and process.
• Connect with our customers by living up to our brand promise of “how can we help you?” at all times. Converse with our customers in a way that they fully understand and provide helpful solutions and products based on their needs
• Conduct themselves in an ethical manner at all times
• Adhere to the TCF (Treating Customer fairly) principles in all that you do
• Identify and sell/cross sell products aligned to customer needs
• Maximize channel optimisation opportunities identified aligned to customer needs  
• Ensure activities support cost containment and reduction
• Optimize every customer interaction to migrate or convert customer to eChannels and or encourage use of digital and self-service channels
• Always comply with procedures and processes contained in the relevant business guidelines and understand the risk associated with decisions Optimize every customer interaction to migrate or convert customer to eChannels and or encourage use of digital and self-service channels
• Always comply with procedures and processes contained in the relevant business guidelines and understand the risk associated with decisions
• Fulfilling transactions above the benchmark set and providing an exceptional customer experience

go to method of application »

Job Description

• To provide a positive customer experience by being helpful and sensitive customer needs, expectations and providing product solutions including directing customers to the correct channel (eChannels and Self Service) whilst adhering to policy and process.
• Connect with our customers by living up to our brand promise of “how can we help you?” at all times. Converse with our customers in a way that they fully understand and provide helpful solutions and products based on their needs
• Conduct themselves in an ethical manner at all times
• Adhere to the TCF (Treating Customer fairly) principles in all that you do
• Identify and sell/cross sell products aligned to customer needs
• Maximize channel optimisation opportunities identified aligned to customer needs  
• Ensure activities support cost containment and reduction
• Optimize every customer interaction to migrate or convert customer to eChannels and or encourage use of digital and self-service channels
• Always comply with procedures and processes contained in the relevant business guidelines and understand the risk associated with decisions Optimize every customer interaction to migrate or convert customer to eChannels and or encourage use of digital and self-service channels
• Always comply with procedures and processes contained in the relevant business guidelines and understand the risk associated with decisions
• Fulfilling transactions above the benchmark set and providing an exceptional customer experience

go to method of application »

Job Description

• To plan, build, optimise and implement innovative quantitative analytical methodologies, procedures, products and advanced mathematical models that provide analytical support and interpret insights, to address business opportunities and problems and implement business strategy, with minimal guidance.
• Take all necessary actions to ensure compliance with relevant statutory, legislative, policy and governance requirements in area of accountability.
• Ensure implementation of relevant policies, governance and practice standards across the business.
• Maintain expert knowledge on relevant legislative amendments, industry best practices and internal compliance procedures and requirements.
• Ensure compliance is adopted in terms of systems and procedures as laid out by business.
• Implement and provide input into the development of governance and compliance procedures and processes within area of specialisation and identify risks.
• Innovate by finding the best fit solution for the situation such as the flexibility of delivery and customised solutions which result in more efficient outcomes.
• Maintain ownership of models through regular audits and updates to ensure relevance.
• Plan and perform regular model updates that capture evolving business complexity in current models
• Challenge current models to ensure relevance and accuracy of outputs.
• Test outputs and accuracy of models to ensure relevance.
• Use data and analytic insights to provide input into improving customer experience through a better understanding of the customers context to identify monetisation opportunities and monitoring implementation of business decisions to recommend enhancements utilising statistical modelling and data analysis.
• Validate, interpret and create reports and presentations for data analytics management and relevant stakeholders.
• Review and assist more junior Quantitative Analysts with processes and models.
• Adhere to model building policies, standards, frameworks, and governance process.
• Ensure own ethical usage of information that complies to restrictions applied for privacy and sensitivity classification.
• Understand and ensure implementation and adherence to Privacy business requirements, legislation and policy.
• Ensure reporting of any Information Privacy Incidents and escalate appropriately for resolution of Privacy and Protection Audit, Findings, Complaints, Incidents, Investigations and Privacy and Protection Assessments.
• Provide input into creation of delivery plans for achievement of outputs / deliverables in collaboration with business stakeholders to understand information requirements for strategy delivery and define metrics that track performance.
• Assist in analysis of available data to identify information commercialization opportunities that have not been explored to address business needs and revenue options.
• Assist in productionilisation of analytics in the approved FirstRand architecture by translating technical data information into practical business information that addresses identified needs.
• Analyse information requirements, availability and quality of data to feed into management for resolution.
• Contribute to the development of core analytical capabilities or model libraries using advanced statistical, quantitative or econometric techniques and utilize as appropriate.
• Collaborate with numerous departments across the business to aid them in the proper use of data to ensure delivery of desired operational results.
• Participate in relevant project related to the businesses overall analytical needs and opportunities.
• Assist as SME for analytics applying own understanding of the operations of the business product or service.
• Determine the business questions that need be answered and determine appropriate analytics models for utilization.
• Source and do some preparation (20-30%) of relevant data sources for analysis.
• Translate business requirements into tangible models utilizing own understanding of the business value of projects, models and processes.
• Develop and apply analytical algorithms and methods to build, test and implement robust mathematical models and analytical solutions that address business problem, opportunities and improve business outcomes i.e., reduced risk and costs, increased profitability, optimized efficiency and to facilitate strategic decision-making.
• Build models that analyze processes to recommend areas for optimization to achieve cost savings, revenue generation or efficiency improvements for the business.
• Document and audit relevant processes.
• Document and implement models to address specific business requirements.
• Conduct appropriate manipulation and analysis of data to pro-actively identify and meet needs of the business for the purpose of future work and to ensure high information-quality and reliability across the business.
• Deliver within broad parameters.
• Build relationships that allow for the managing of expectations; the sharing of knowledge and diverse insights; and the creation of buy-in.
• Engage in cross-functional relationships to obtain and to provide work support.
• Identify, control and escalate potential risks which may lead to increased costs.
• Manage costs or expenses within approved budget to achieve cost efficiencies.
• Deliver against operational and cost targets.
• Prioritise resource allocation to minimise and reduce wastage.
• Develop, encourage and nurture collaborative relationships across the FRG.
• Assess own performance through seeking timely, and clear feedback and request training where appropriate.